Natural hazards · Hurlburt Field

Hurlburt Field, FL natural hazards

Most of the natural-hazard damage FEMA expects in Hurlburt Field comes from hurricanes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Hurlburt Field?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hurlburt Field to be higher than in 83% of U.S. communities, mostly from hurricanes.

Hurricanes77%Inland flooding10%Tornadoes6%Everything else7%

By hazard

What Hurlburt Field faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

77% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

10% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 4 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Hurlburt Field flood?

FEMA's records show no paid flood insurance claims in Hurlburt Field.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hurlburt Field isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Okaloosa County.

Disasters that hit Hurlburt Field

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hurlburt Field itself: aid to households, or repair grants to Hurlburt Field.

Brought FEMA money into Hurlburt FieldDeclared for Okaloosa County only

2005

Hurricane Dennis

2 households applied for aid $2K aid approved

2004

Hurricane Ivan

6 households applied for aid $6K aid approved

Okaloosa County has had 33 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Hurlburt Field

Hurlburt Field and the towns around it

Very lowLowModerateHighVery high

Wrightmostly hurricanesVery high

Fort Walton Beachmostly hurricanesVery high

Hurlburt Fieldmostly hurricanesVery high

Mary Esthermostly hurricanesVery high

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Hurlburt Field is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hurlburt Field’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hurlburt Field. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.